Bank Account vs The Checkbook
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Bank Account
This app helps you manage multiple bank accounts and track transactions locally on your device. It offers features like total balance overview, currency selection, and transaction backups to CSV or TXT files. It's designed for personal financial tracking and includes an optional ad-free subscription.
- Manage multiple accounts
- Total balance overview
- Currency selection per account
- Backup/restore transactions
- Search transactions
- Expense breakdown by category
- Lock screen option
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Note: this app keeps transactions locally on the device only, it does not sync or back up to the cloud automatically. Manual backups must be used. You can now backup your transactions to .csv or .txt file and restore from a back up! **All functionality is available for Free -NEW! Ability to use Siri to add a transaction -NEW! Ability to upload receipts to a transaction and auto import the value. Receipts are optionally saved on export -Manage multiple accounts! -Shows a 'Total' Balance of all accounts -Select the currency for each account -Backup your transactions to .csv or .txt file -Restore from a backup -Add 2 widget options to your Home Screen -Search for transactions -Overview of balance, by month or by year -Breakdown of expenses by category -Ability to add a lock screen with Face/Touch ID -Mark as Cleared -Prompts user and asks if a transaction is the starting balance, if a starting balance has not been created yet. -Simple to use -Perfect for anyone to track their transactions, from checks to debit card purchases. (Use for personal tracking of Bank Account balance only. Check monthly with real bank statement to verify transactions) A quarterly (every 3 months) subscription is available to remove ads for $.99 cents. Cancel anytime. Please view the End User License Agreement here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
The Checkbook
Manage your finances on the go with this transaction tracker. Easily record income and expenses, schedule upcoming bills, and reconcile with your bank statements for accurate balance tracking. Offers multiple accounts, customizable themes, and secure access.
- Real-time transaction tracking
- Upcoming bill and deposit scheduling
- Bank account reconciliation
- Multiple account management
- Customizable color themes
- Transaction search and filtering
- Recurring transaction setup
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Finance At Your Fingertips Track your financial transactions on-the-go in real time. Enter upcoming bill payments and deposits to see how your account balance will change. Reconcile each transaction against your bank account to balance your checkbook and ensure accuracy to the penny. * No ads. * Quick entry screen for new transactions to keep up with spending while you're on the move. * Create a new transaction in seconds with type ahead feature for common transactions. * Manage transactions in multiple accounts. * Customize color theme for each account. * Search for transactions. * Toggle visibility of reconciled transactions to see what hasn't cleared your bank account yet. * Set up recurring transactions. * Transfer money between accounts. * Basic reporting to view spending or income by category and daily spending. * Export transactions to CSV file. * Enable Face ID / Touch ID to secure access to your financial data. * Turn on iCloud Drive data storage to sync transactions across multiple devices. * Share every new transaction with a joint account owner via email or Shared Storage (subscription required) to keep app in sync for different users. Privacy Note: The developer does not collect any data from this app for the default local device or iCloud storage options. The developer only securely stores data for the Shared Storage option (subscription required) for the purpose of sharing and syncing the data with your invited users. See Privacy Policy for more details.
Screenshots
Verdict
The clearest difference is price: Bank Account at Free against The Checkbook's $4.99. Bank Account also leads on device support (3 vs 1). The Checkbook's advantage is rating (4.8 vs 4.0) and ads (none vs shown). On review sentiment, in-app purchases and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Bank Account is free to download; The Checkbook costs $4.99 up front. Bank Account sells 1 in-app purchase, starting at $0.99 per 3 months and The Checkbook sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
The Checkbook holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: The Checkbook has 997 ratings behind it against 32, so its average is the more settled of the two. Written reviews complicate that: 80% of Bank Account's written reviews are positive against 76% of The Checkbook's, so the app with the better star average is not the one people write more warmly about.
Bank Account ships an update every 4 months, The Checkbook fortnightly. Both last shipped on October 30, 2026.
| Parameter | Bank Account | The Checkbook |
|---|---|---|
| Price | Free — better | $4.99 |
| Rating | 4.0 (32 ratings) | 4.8 (997 ratings) — better |
| Positive reviews | 79.7% of reviews — better | 76.1% of reviews |
| Number of ratings | 32 | 997 — better |
| Update frequency | Every 4 months | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | — | #7 — better |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 5 MB | 61 MB |
| Age rating | 4+ | 4+ |
| Developer | Harden Consulting LLC | Four One Four 213, LLC |
Customer experience
Bank Account
The Checkbook
User reviews
Bank Account
From 32 App Store ratingsWhat we love
- 👍 Simple and functional
- 👍 Easy data entry
- 👍 Not overcrowded with features
- 👍 Best thing since sliced bread
- 👍 Super organized
Room to improve
- 🐛 Too much going on, becomes a hindrance
- 🐛 Forget to select 'save', no warning
- 🐛 Ledger can be off
- 🐛 Missing items with no notification
- 🐛 Inefficient workflow
The Checkbook
From 997 App Store ratingsWhat we love
- 💻 Easy to use
- 🔍 Helps track finances
- 📱 Convenient mobile app
- 🧮 Simple check register
- 🔒 Secure with Face ID
Room to improve
- 🔢 Limited account name length
- 🔍 Difficult to view past transactions
- 🔢 No custom currency options
- 🐛 Data loss issues
- 🚫 No iPad-optimized layout
Bugs and requests
Bank Account
Reported bugs
16 issues- Forget to select 'save', no warning
- Ledger can be off
- Missing items with no notification
- Unable to change dollar amount
- Doesn't work anymore
Show 11 moreShow fewer
- Not working after last upgrade
- Can't input transactions
- Not working
- Can't see the date
- Can't reconcile accounts
- Won't add info between phones
- Check number and payee in same box
- Crashes frequently
- Can't reconcile with wife's phone
- Secondary user can't reconcile
- Switching to secondary causes crash
Requested features
20 requests- Simplify entry process
- Redesign to address 'save' issue
- Duplicate entry saved on exit
- See all accounts on one screen
- Reconcile each transaction
Show 15 moreShow fewer
- Transfer between accounts easily
- Import/export capability
- Editable transactions
- See 'current' and 'cleared' balance per account
- Add transactions for the future (pending)
- Cleared function for bank statement balancing
- Separate entries for check number and payee
- iCloud support
- Note section for transactions
- Numerical passcode without enter button
- Recurring events
- Recurring transactions
- Notes section for more detail
- Password lock for security
- Categorize expenses
The Checkbook
Reported bugs
3 issues- Data loss and sync issues
- Incorrect transaction display
- Recurring transactions not working as expected
Requested features
6 requests- 📊 Spending reports and analytics
- 🔁 More recurring transaction options
- 🖨️ Check printing capability
- 🔀 Ability to split transactions
- 🔄 Easier transaction editing/deletion
Show 1 moreShow fewer
- 🔒 Backup and restore options
In-app purchases
Bank Account
- Remove Ads$0.993 Months
The Checkbook
- Shared Storage - Monthly$1.991 Month
- Shared Storage - Annual7 Days trial$19.991 Year
Questions
Is Bank Account free?
Is The Checkbook free?
Which has better reviews, Bank Account or The Checkbook?
Do Bank Account or The Checkbook have ads?
Which is updated more often, Bank Account or The Checkbook?
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